Invention Grant
- Patent Title: Systems and methods for using nonvisual communication to obtain permission for authorizing a transaction
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Application No.: US15419906Application Date: 2017-01-30
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Publication No.: US10672002B2Publication Date: 2020-06-02
- Inventor: Epher Mendoza , Michael Martel Spratt , Rahul Deshpande , Akeda Hosten , Stewart Boling , Adam Axe
- Applicant: MasterCard International Incorporated
- Applicant Address: US NY Purchase
- Assignee: MasterCard International Incorporated
- Current Assignee: MasterCard International Incorporated
- Current Assignee Address: US NY Purchase
- Main IPC: G06Q20/40
- IPC: G06Q20/40 ; H04L29/08 ; G06Q20/32 ; G06Q20/20

Abstract:
Embodiments of the disclosure enable permission to be obtained using nonvisual communication. A system receives a request for authorization of a transaction, identifies an account based on user identifier data included in the request, establishes a communication link with a user device associated with the user account, generates a prompt message identifying a merchant and a transaction amount associated with merchant identifier data and transaction data included in the request, analyze the prompt message to generate a prompt audibly perceivable at the user device, analyze a speech reply received from the user device to generate a feedback message, and analyze the feedback message to determine whether permission to authorize the transaction is obtained. Aspects of the disclosure provide for authorizing a transaction in a secure and user-friendly manner.
Public/Granted literature
- US20180218367A1 SYSTEMS AND METHODS FOR USING NONVISUAL COMMUNICATION TO OBTAIN PERMISSION FOR AUTHORIZING A TRANSACTION Public/Granted day:2018-08-02
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